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Accident and Health Insurance

What is Accident and Health Insurance?

Out-of-pocket spending on healthcare in the U.S. has risen steadily over the last four decades and it’s expected those costs will continue to rise through 2026.1 Accident and Health (A&H) Insurance products can help organizations and individuals manage those trends, by providing a financial safety net for expenses that other insurance may not cover.

For over 20 years, Zurich has customized A&H products for employers and other groups. Today we’ve expanded our safety net with new solutions for the era of the gig economy, high-deductible health plans and frequent travel.

A sampling of our flexible offerings:

  • Supplemental benefits such as Hospital Indemnity, Critical Illness, Personal Accident (Accidental Death & Dismemberment, Accident Medical Expense, Accident Disability, and Accident In-Hospital), and Travel Insurance offered via employers and affinity groups.
  • Travel Insurance and assistance provided through educational institutions, employers, affinity groups and other organizations
  • Medical stop-loss coverage for businesses that self-fund their health plans
  • Occupational accident coverages for the trucking industry and gig economy workers
  • Student accident insurance
Our solutions are diverse, but the goal is shared: To help both organizations and individuals minimize coverage gaps and maximize their resilience.

 

Why choose Zurich for accident and health insurance?

Expertise

From state-to-state regulatory knowledge to global capabilities for multinational companies, we consult with our customers to customize solutions. It starts with listening to their needs.

Flexibility

Coverages are modular, tailored for your group and structured for your budget. Whatever your choices, we will work with you to help simplify them in a streamlined fashion.

Claims service

Customer care is essential with health-related benefits. Zurich’s Claims service earns industry-leading scores from our customers.2 We are there when it matters most.

Accident and Health Insurance Solutions

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Supplemental Benefits for Employer and Affinity Groups

Supplemental benefits insurance such as Personal Accident, Hospital Indemnity, Critical Illness, and Supplemental Gap Medical insurance coverages can help insureds and their families shoulder unexpected costs like high deductibles, hospital fees, childcare and other expenses following an accidental death or injury, sickness or diagnosis of a critical illness. Plus, Travel Protection can help to navigate unforeseen events and find confidence in travel through valued coverages for trip cancellation, overseas medical, lost baggage and more.

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Travel Protection

More people are traveling globally and locally, whether for business, leisure or student pursuits. We offer Student Travel, Business Travel Accident and Leisure Travel solutions, all with 24/7 Zurich Travel Assist™ as an option.

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Medical Stop Loss

Designed for managed care organizations and employers that self-fund their employee health plans, Zurich Managed Care Excess and Medical Stop Loss coverages provide a buffer against unexpected surges in a population’s healthcare costs.

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Occupational Accident - Trucking

Zurich’s owner-operator truck insurance provides protection for contract drivers not covered by workers’ compensation policies.

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Occupational Accident - Gig Insurance

Growth in the gig economy has expanded opportunities to earn income with more freedom and flexibility. With these opportunities come risks, such as gaps in work injury coverage. Zurich’s Occupational Accident Insurance for the gig economy can help bridge that gap.

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Special Risk (Participant Accident)

Recreational organizations, civic and other groups often require special accident coverages for their non-employee participants. Zurich provides modular solutions for participants in groups of varying sizes, all designed to empower participation and peace of mind.

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Student Insurance

  • Student Accident Insurance
    From preschool through college, Zurich’s Student Accident Insurance can help protect students and the institutions that serve them. Schools and school districts can provide coverage that benefits their students and also helps protect them from potential lawsuits.
  • Student Travel Insurance
    Zurich tailors a wide array of travel insurance solutions for students and staff, from core coverages to value-added services, helping give peace of mind to students and educational institutions that sponsor their international journeys.
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News and Insights

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Connect with our Customer Inquiry Center for more information.

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Related industry and insurance

Healthcare

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Professional Liability

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Technology

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1. Dolan, Martina. “Report Finds U.S. Out-of-Pocket Healthcare Spending Increases By 10% To $491 Billion.” AboutHealthTransparency.org. 4 August 2021.
2. Based on Zurich North America Closed Claims Net Promoter Score of 85 for 2021. Top Quartile TNPS threshold for insurance industry: 57 (2021). Source: Medallia.